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Utah holds a distinctive heritage and charm. With a rich history and breathtaking scenery, the Beehive State presents a captivating blend of tradition and natural splendor.
The state’s diverse economy opens doors for businesses in various sectors to flourish. Securing dependable workers' compensation insurance is paramount for safeguarding your business and its employees.
Workers' compensation is a state-mandated insurance program for employers with one or more employees. It’s designed to provide medical and financial protection for employees who suffer work-related injuries or illnesses.
Without workers’ compensation, the cost of an injured employee’s medical treatment could become the responsibility of your business.
The Utah Labor Commission administers the workers’ comp law in Utah. The law requires employers with one or more employees to be covered by an active workers’ compensation insurance policy.
Businesses can obtain workers’ comp coverage through a partner like EverPeak Insurance. Alternatively, companies that meet the state’s specific requirements may also apply to be self-insured.
Employees can verify online if their employer has coverage.
Policies include protection for full and part-time workers — as well as your business’s financials.
Some exemptions from workers’ comp in Utah include:
Workers' compensation covers a range of work-related injuries and illnesses, including physical injuries resulting from an accident and occupational diseases developed over time due to job conditions.
Utah workers’ comp insurance provides three types of benefits for work injuries:
The temporary partial disability (TPD) benefit amount is 66 2/3 percent of the injured worker's average gross weekly earnings when injured. As of 2023, this amount is not to exceed $1,130.
In the event of a work-related injury or illness:
Employees in Utah should report their injury to their employer as soon as possible. Employees should disclose essential details, including the date, time, and location of the incident, as well as a description of the injury sustained.
The employee should immediately seek medical attention.
Once notified of the injury, employers should file a report of the accident with their workers' compensation insurance carrier within seven days.
The insurance carrier must assess the eligibility of the injury or illness for compensation within 21 to 45 days of receiving the benefit claim. If an employer’s insurance provider accepts the claim, the worker should begin receiving benefits to cover medical expenses and lost wages as applicable.
Following their recovery, a worker is expected to resume work safely. If a work injury has left an injured employee unable to do any type of work, the employee may be entitled to permanent disability benefits.
In Utah, the employer is expected to designate a medical provider for the employee. If there is no preferred provider, employees may choose the doctor—but should visit with a medical provider who accepts workers’ compensation insurance.
If an employee is out of work:
To resolve a workers’ compensation claim dispute in Utah, an employee can submit an Applications for Hearing Workers’ Compensation Claim Denial with the Adjudication Division of the Utah Labor Commission.
Employers in Utah with one or more employees must carry workers' compensation insurance or qualify for self-insurance. Compliance with this requirement is essential to protect both the employer and employees.
When selecting a workers' compensation insurance provider, consider factors such as the provider's experience in the industry, financial stability, coverage options, claims process, customer service, and cost.
We recommend requesting multiple quotes and comparing the offerings before making a decision.
Covering your business and employees with a trusted insurance partner — like EverPeak — brings peace of mind so you can focus on your bottom line.
Employers who fail to maintain workers' compensation insurance in Utah can face severe consequences, including:
In most cases, regulations bar employees in Utah from suing their employers for work-related injuries or illnesses. The workers' compensation system provides an exclusive remedy, meaning that employees typically cannot file a lawsuit against their employers. Instead, they must pursue a workers' compensation claim to receive benefits for their injuries or illnesses.
Generally, a business’s workers’ compensation policy does not cover independent contractors in Utah. Workers' compensation laws typically apply to employees rather than independent contractors.
However, it's important to note that the classification of a worker as an independent contractor or an employee can be complex, and misclassification can lead to legal disputes. If unsure whether an independent contractor should be treated as an employee, seek legal guidance.
Ideally, the incident should be reported immediately or within a few days of the occurrence. Prompt reporting helps ensure the necessary steps are taken to initiate the workers' compensation claims process.
Employees can verify online if their employer has coverage.